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Pet insurance for furry
family
members

You already consider them a member of the family. Why not care for them the same way? With Trupanion®, you can provide them the protection they need, whether it’s cat insurance or dog insurance.

A family takes their Golden Retriever for a walk

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Taking care of bow-wows and meows

Those that bark

A grey boxer relaxes with his sleepy head on the floor.

From Hounds and Huskies to Poodles and puppies, Trupanion’s got your beloved canine covered.

Those that purr

A cat cuddles with his canine roommate.

Be it Shorthairs, Ragdolls, Persians or a Tuxedo, keep your feline feeling fine from kittens to senior cats.

Those that talk

A tan boxer shows he’s happy his vet visit went well.

Learn about how it works, coverage, pricing and more from someone who knows.

Is pet insurance worth it?

When our pets need medical attention, the last thing we should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog’s or cat’s care.

We can help. State Farm® agents work with Trupanion – a leader in high-quality pet medical insurance plans – to make it easier for pet owners to care for their furry family members.

A daughter plays fetch with her dog while her mom relaxes with a book in the hammock
A daughter plays fetch with her dog while her mom relaxes with a book in the hammock

Why choose Trupanion?

Come one, come all

No matter what type dog or cat calls you its human, Trupanion coverage applies to all breeds. You’ve got one? They cover it.

No payout limits

Once insured by Trupanion, your pet has access to unlimited payouts on eligible claims, no matter how many claims you file. Your pet’s covered for life.

Always there

Because accidents and illnesses don’t have business hours, Trupanion support is available 24/7, 365 days a year.

How does pet insurance work?

With pet insurance plans through Trupanion, you will pay a customizable, monthly premium. When your pet is unexpectedly sick or injured, Trupanion pays for 90% of eligible medical costs, minus your deductible.1

In many cases, Trupanion can pay your vet directly. Otherwise, just pay your bill at the time of service, easily file a claim online, and Trupanion will reimburse you for covered costs.2

Coverage from nose to tail3

What pet insurance covers spans illnesses and injuries and the costs it takes to heal them. It does not cover pre-existing conditions. What exactly does a Trupanion pet insurance plan cover?

If allergies, cancer, heart disease, or other serious illnesses strike your pet, you can be in a position to provide them the best possible care.

Broken bones or bite wounds can result from accidents. Your pet depends on you to help them heal such hurts.

Whether hereditary or congenital, Trupanion can help with such conditions as elbow and hip dysplasia, Cherry Eye, thyroid disease and other chronic issues.

Diagnostic tests, surgeries, hospital stays, or even holistic therapy as long as it’s prescribed by a licensed vet for the treatment of a covered condition are some of the medical situations covered.

Medications, prescriptions, veterinary supplements, herbal therapy and even prosthetic devices and carts are included in a Trupanion pet insurance plan.

If allergies, cancer, heart disease, or other serious illnesses strike your pet, you can be in a position to provide them the best possible care.

Broken bones or bite wounds can result from accidents. Your pet depends on you to help them heal such hurts.

Whether hereditary or congenital, Trupanion can help with such conditions as elbow and hip dysplasia, Cherry Eye, thyroid disease and other chronic issues.

Diagnostic tests, surgeries, hospital stays, or even holistic therapy as long as it’s prescribed by a licensed vet for the treatment of a covered condition are some of the medical situations covered.

Medications, prescriptions, veterinary supplements, herbal therapy and even prosthetic devices and carts are included in a Trupanion pet insurance plan.

 
 
 
 
 
 

Common questions about pet insurance

When does coverage begin? Is there a waiting period?

Trupanion policies have a 5-day waiting period for injuries and a 30-day waiting period for illnesses. This means that injuries that happen 5 days after enrollment and any illnesses that develop 30 days after enrollment are eligible for coverage (as long as there's no evidence that the illness or injury already existed). Please note that any injuries that occur during the 5-day waiting period or illnesses that begin during the 30-day waiting period are considered pre-existing and not eligible for coverage.

What if your pet gets sick or injured during the waiting period?

If your pet is injured or gets sick during the waiting period before your coverage begins, Trupanion won’t pay your pet’s medical expenses.

How much is the deductible?

The deductible is the amount you pay out of pocket when you file a claim to cover your pet’s medical expenses to care for a covered illness or injury. You can choose a deductible anywhere between $0 to $1,000.

Is coverage reduced for going to a specialist/emergency vet?

No, your coverage is not reduced if you take your pet in for emergency care or see a specialist. As your Trupanion policy states, you’ll be reimbursed 90% for all covered claims.

If you are referred to a specialist or visit an emergency hospital, you will still see 90% reimbursement for all eligible costs. The veterinary exam fee is your responsibility, so if you are charged a specialist fee or emergency fee, this is regarded as the same.

How do I file a claim?

Trupanion offers you this pet insurance plan. You may file a claim, but know that 90% of vets will submit claims from their office via Trupanion software.

To file a claim on your own, call 855-518-1410855-518-1410 to speak to one of Trupanion’s claim specialists.

 

Get a pet insurance quote with Trupanion

Let Trupanion help prepare you and your pet for the unexpected.

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Contact a local State Farm agent

Not sure about what you might need or how pet insurance works, reach out to an agent near you.

 
 

Want to know more about pets?

Why you should consider Pet Medical Insurance

Pets get sick just like people. And sometimes more care is needed than expected. They may need hospitalization, testing and surgery. Getting your best friend the care they need shouldn’t deplete your savings or require dipping into new lines of credit.

How to drive safely with pets

Make sure you know the law and protect those in your vehicle. Just like infants and toddlers need special care and safety seats, some states require your furry friends to be restrained.

Discover ways to pet proof your home

Raise your hand if your dog or cat follows you into the bathroom, “helps” you cook and fold laundry or nibbles on houseplants. Some of these behaviors can be endearing — but some veer into dangerous territory. With a little bit of preparation, you can help keep them safe from pet hazards, even when you can’t be there

See pet-friendly fixes and safety tips

You’re not always home to shoo them from danger. Or you have to pay attention to traffic. Explore these pet-friendly fixes so you won’t have to worry about what your pet might be getting into.

1 Terms and conditions may vary by state and can be found on Trupanion.com.
2 Deductibles: A deductible is the amount you pay for each illness or injury before you’ll receive reimbursement or payment for eligible medical expenses. Trupanion’s deductible is a lifetime-per-incident deductible. This means that, once the deductible is met for a covered injury or illness, all future medical costs associated with that injury or illness will be eligible for coverage as long as the policy is in effect. You have the option to choose a deductible from $0 to $1,000.
3 The Trupanion Policy does not cover exam fees, wellness and preventative care, pre-existing conditions (including waiting periods), your deductible, sales tax (where applicable), elective, cosmetic or preventative procedures.

Disclosures

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Please visit AmericanPetInsurance.com.

State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.